**[U.S. Banking Industry May Face New Mortgage Capital Requirements Under Basel Accord Regulations]** According to Jintou News, as the Federal Reserve is set to unveil a highly anticipated bank capital proposal related to Basel Accord III, U.S. lending institutions may face new mortgage requirements. Michelle Bowman, the Federal Reserve's chief banking regulator, stated that the new measures related to residential real estate will consider increasing the "risk sensitivity" of mortgage capital requirements on banks' balance sheets. One approach is to use the loan-to-value ratio to determine the applicable risk weight for residential real estate exposures, rather than adopting a uniform risk weight. "This change could better align capital requirements with actual risks, support on-balance-sheet lending by banks, and potentially reverse the trend of mortgage activity shifting to non-bank institutions over the past 15 years," Bowman said.